ANNUAL INCOME:MISCELLANEOUS COMMENTARY: Refinanced from Captial One. Rate was close to 11% with a 614 Experian almost a year ago. Because of the refinance, I'm saving an additional $1200 per year: $6000 over the next 5 years. FICO was 639, auto enhanced was 677. 4% utilization on two credit cards and current on auto and studen loan. One 90 day late in March 2012 on student loan...miscommunication with servicer. I'm likely to add Credit Life Disability and an extended 60 mos Platinum Warranty for an additional $30 per month. I'll update if undewriter decides to lower rate further due to proximity to next tier...*wishful thinking*.

ANNUAL INCOME: $70,000MISCELLANEOUS COMMENTARY: Got preapproval for $30,000 from local CU for an auto loan which has 90 day validity period. I figured the car is not going to cross $30,000 mark even with all the fees/charges, Tax so put in that amount and was approved for that amount

ANNUAL INCOME: $70,000MISCELLANEOUS COMMENTARY: F&I guy squeezed in loan contract paper among other papers to sign and I asked him what was that and he said I was under impression that I was financing with them. I told him if he can match or beat that price than I will go with your finance else I am good just give me my purchase order. The rate on that was 2.74% was same from TD Auto Loans. He was so shocked/embraced that I figured out his mistake at a blink of an eye (thanks for this forum to educate us for auto loan process) that he did not try any gimmick or tactic to add-on anything else. I was in and out o dealer ship within an hour. Ultimately he requested to finance with them and he was able to match my CU’s rates so I went with his finance since I already have relation with my CU and might get my wife’s car with my CU.

MISCELLANEOUS COMMENTARY: Originally, my credit score was 606- auto enhanced. Capital One financed me 72 mo. $368/mo at 12.45%, $1400 down. I payed all payments on time for 15 months and even a lump sum payment of $3,600. I was approved for refi at Wells Fargo, they pulled Exp 678 credit score and approved me for a rate of 11.7%. I was told by friends that credit unions usually are more lenient and give better rates. I was surprised at the rate I received for my credit score!!! Very happy!

ANNUAL INCOME: $50kMISCELLANEOUS COMMENTARY: Credit union Refinanced my vehicle. Old loan was through Santander Consumer. This particular Credit union loaned based off of My Fico score only. They didnt look at what was on my report. I have one open collection to an apartment complex. Easiest loan I have ever set up. I was upsidedown and I know I still am a little bit, but phew i am alot more comfortable with the terms and I plan on making double payments every other month

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.